Whether you are looking to purchase your 1st home, upgrade to a larger home or purchasing income property. We can help in obtaining the loan that's right for you. As a broker we are not captive to one lender's rates. We have the flexibility to work with various lenders who have the best rate and program that fits your needs. Read more on the most common loans we have to offer you.
FHA Loan - This loan is insured by the Federal Housing Administration and allows borrowers to become homeowners sooner than later due to requiring as little as 3 1/2% down payment instead of saving for a longer period of time to accumulate the traditional 10% down payment of the purchase price. The FHA credit requirements are less restrictive than other programs which makes this program popular during these economic times.
Conventional Loan - This loan is for homebuyers who want to leverage a higher home price by buying down the loan amount with a 20% or more down payment. Many conventional loan lenders may not require the additional cost in obtaining required mortgage insurance.
VA Loan - The VA Loan is a special loan program for Veterans of the US military and active servicemen and women. This loan is guaranteed by the Dept. of Veteran Affairs. This loan provide military personnel a program with little to no down payment to purchase a home. One of the requirements is that the borrower must have a Certificate of Eligibility issued by the Dept. of VA. This loan is available to honorably discharged Veterans and their un-remarried widow.
CalPERS Loan - Offered only for CalPERS members, borrowers must be participants in the CalPERS fund. Eligible borrowers are State of California Employees, County Health & Human Services and other Participating County Employees (note: some counties are exempt), City employees of Contracting Incorporated Cities, School Employees, all Classified and some Certified, California State University System Employees, California Legislature Employees including judges and Municipal Employees of Contracting Cities.
CalSTRS available to employees of a California public school district, employees of a California Community College, member(s) of the California Sate Teachers' Retirement System and CalSTRS employees. This loan provides borrowers a down payment of 3% and offers excellent competetive rates. This program offers a 3% down payment with discounts on escrows, title fees and mortgage insurance rates. Properties for this loan program must be in State of California.
We also have other Specialty Loan Programs, so feel free to contact us because we don't rest until your loan is closed!
FHA Loan - This loan is insured by the Federal Housing Administration and allows borrowers to become homeowners sooner than later due to requiring as little as 3 1/2% down payment instead of saving for a longer period of time to accumulate the traditional 10% down payment of the purchase price. The FHA credit requirements are less restrictive than other programs which makes this program popular during these economic times.
Conventional Loan - This loan is for homebuyers who want to leverage a higher home price by buying down the loan amount with a 20% or more down payment. Many conventional loan lenders may not require the additional cost in obtaining required mortgage insurance.
VA Loan - The VA Loan is a special loan program for Veterans of the US military and active servicemen and women. This loan is guaranteed by the Dept. of Veteran Affairs. This loan provide military personnel a program with little to no down payment to purchase a home. One of the requirements is that the borrower must have a Certificate of Eligibility issued by the Dept. of VA. This loan is available to honorably discharged Veterans and their un-remarried widow.
CalPERS Loan - Offered only for CalPERS members, borrowers must be participants in the CalPERS fund. Eligible borrowers are State of California Employees, County Health & Human Services and other Participating County Employees (note: some counties are exempt), City employees of Contracting Incorporated Cities, School Employees, all Classified and some Certified, California State University System Employees, California Legislature Employees including judges and Municipal Employees of Contracting Cities.
CalSTRS available to employees of a California public school district, employees of a California Community College, member(s) of the California Sate Teachers' Retirement System and CalSTRS employees. This loan provides borrowers a down payment of 3% and offers excellent competetive rates. This program offers a 3% down payment with discounts on escrows, title fees and mortgage insurance rates. Properties for this loan program must be in State of California.
We also have other Specialty Loan Programs, so feel free to contact us because we don't rest until your loan is closed!